The person with legal parental responsibility who opened the account. When the account holder turns 16 the child may apply to be the account operator.

Payments from your Account will be made as per the notice period on your Account. You choose this notice period when you open your Account.

If you have a Triodos Online Cash ISA or a Triodos 90 Day Notice Online Cash ISA , withdrawals are set up by you through Triodos Bank Internet Banking and there is no option for early withdrawal.

If you have a Triodos Fixed Rate Cash ISA, you will not be allowed to make a withdrawal, but you will be able to close the account if you need to get to your Triodos Fixed Rate Cash ISA savings before the end of your fixed term.

If you have a Triodos Cash ISA or a Triodos Cash ISA (TOISA) withdrawals can be made by sending us a signed written instruction and this will be carried out as per the notice period on your Account. If you think you are going to need access to your savings at short notice then you should consider opening an easy access account as all of our cash ISAs have a notice period for withdrawals and you agree to this when you apply for the account.

Triodos Bank operates a simple and transparent banking model that means we use only your savings to lend to cultural, social and environmental projects within the UK. The majority of our personal savings accounts have a notice period so that we can closely manage the funds available to lend to sustainable businesses.

If for any reason you need to withdraw your money earlier than the notice period, you will need to write to us by post or secure message in internet banking.

At our discretion you may have access to your savings without waiting the notice period for Online Cash ISA, 90 Day Notice Online Cash ISA and Cash ISA.  However we will charge you the interest due on the amount withdrawn for the part of your notice period for which you have not given notice. So if you withdraw £500 on 15 Calendar Days’ notice from an Account set up on 90 Calendar Days’ notice, then a charge equivalent to the interest you would have earned on that £500 for 75 Calendar Days (i.e. 90 - 15) will be deducted from your Account.

For Fixed Rate ISAs withdrawals are not allowed until maturity. The only exception to this is if you close the account and/or transfer the full balance to another ISA.  Early closure will result in an early access charge being applied equivalent to a number of days of interest.

2 year term – 180 days’ interest

3 year term – 270 days’ interest

The charge will be taken from the account balance, so you may get back less than originally deposited.

Instructions given in internet banking to make a payment from your account will only be carried out after the expiry of any notice period on your account. Any attempt to schedule a payment before then will be rejected.

A child must be aged between 7 and 15 to open a Right Start Saver for themselves, or 16 or 17 to open an Ethical Junior Cash ISA themselves.  Alternatively both our Right Start Saver and Ethical Junior Cash ISA accounts can be opened by adults with parental responsibility for a child.  This is to make sure we have the appropriate consent to hold personal data for the child.  Once the account is open, funds can be paid in by anyone.   

When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.

You can open more than one Triodos Fixed Rate Cash ISA. You are only able to subscribe to one cash ISA per tax year.

Her Majesty's Revenue and Customs (HMRC) ISA rules require you to make a declaration, when applying to open an ISA. This is to confirm that you are eligible to subscribe to your ISA.

If you haven't subscribed to your ISA for a whole tax year, then you need to declare your eligibility again and confirm that you haven't paid into another ISA of the same type in the current tax year. You will not be able to make any further deposits into your ISA until a new declaration is made.

If you have Triodos Internet Banking, you can complete a new declaration online. To do this, please log into internet banking and select 'Account Management, ISA Declaration Management', from the menu.

Alternatively you can download, print and complete a declaration form below, or you can contact us and we can post a declaration form to you.

Junior ISAs and Fixed Rate Cash ISAs do not need a new declaration to be made after the account is opened.

No. The money can't be taken out until the child is 18.
If you wanted to take the money out of the Junior Cash ISA you must contact HM Revenue & Customs (HMRC) visit www.hmrc.gov.uk.

Yes you can. As long as your deposits are received within the 60 days allowed, if you open your account close to the tax year end you may be able to subscribe into your Fixed Rate Cash ISA for two consecutive tax years. You will need to check the date your last deposit is allowed, this will be detailed on your account opening letter.

When your child becomes 16 they can become the Account operator and manage their own account if they want to.

Before the child turns 18 we will contact you to confirm that the Triodos Ethical Junior Cash ISA will become a Triodos Cash ISA on the child’s 18th birthday. After this date the child can decide what they wish to do with the account/funds.

Yes. We will write to you one month before your fixed rate cash ISA matures, asking you to let us know what you'd like to do with your funds. You can then ask us to change your fixed rate cash ISA into another Triodos cash ISA, when it matures.

Alternatively, during the fixed term of your Triodos Fixed Rate Cash ISA, you can request to change your Fixed Rate Cash ISA into another Triodos cash ISA, but you will incur a 'breakage charge' as per the terms and conditions. The ‘breakage charge’ is equivalent to:

• 2 year term – 180 days' interest
• 3 year term – 270 days' interest

The charge will be taken from the account balance, so the balance in your new type of Triodos cash ISA might be less than originally deposited in your Fixed Rate Cash ISA.

There is no charge when changing to a different type of Triodos cash ISA on maturity.

For more details, see our how-to guide below on changing your cash ISA to a different type of Triodos cash isa.

To top up a Triodos Junior Cash ISA, you can:

• Make a transfer from another account (either an account with another provider or another Triodos account that allows withdrawals)
• Transfer by cheque made out to the child

The Triodos sort code is 16-58-10 and you can find your Triodos cash ISA account number on your statements. If you want to deposit a cheque, please post it along with a paying-in slip to:

Freepost TRIODOS BANK

To set up a Junior Cash ISA for a child, the parent or person with legal parental responsibility for the child will need to be identified. We also need the child’s original birth certificate, original NHS card or a certified copy of their passport. All certified copies must be in colour. We’ll return original documents by registered post. To help us verify the identity of customers opening an account we may make an electronic search, using the information you supply. In some instances we may need to ask you to send in further information or documents.

Certifiers must clearly write that they have seen the original document, and that the photograph, if applicable, represents a true likeness of the individual.  They must also include their full name, profession, business address, phone number and the date they certified the document.

The following people can certify documents for you:

•  Accountants (registered with either ICAEW, ICAS, CAI, ACCA, CIPFA or CIMA)
• Solicitors
• Post Office – a fee may be charged for using this service
• Bank staff (must include branch stamp)

From 6 April 2019, the Junior ISA allowance is £4,368 for the 2019/20 tax year.

Regardless of who put the money into the Junior Cash ISA, the money in the account belongs to the child. It is only the child that can make withdrawals once they turn 18.

Within a couple of days from when your online only account is opened, or an existing account has been set up with internet banking, we'll send your username by email, and your unique password by post. Please contact us if they don't arrive.

If you open a new account, and you already have internet banking access for another account, you can use your existing username and password.

We ask you to complete an ISA declaration when making a choice for your maturing fixed rate cash ISA in Internet Banking so that you are able to make current tax year’s subscriptions to your ISA if you would like to.

You are not obliged to subscribe to that cash ISA after completing the declaration and can choose to subscribe to a different ISA if you want and you are eligible to do so (as long as you don’t breach the ISA rule of only subscribing to one of each type of ISA in a tax year).

If you attempt to pay into your Triodos Fixed Rate ISA after your 60 days the deposit will be automatically rejected. We will send the funds back to the account they came from.

A child may only hold one Junior cash ISA and one Junior stocks and shares ISA at any time and cannot hold a Junior ISA and a Child Trust Fund at the same time.

You can however apply to transfer a Junior ISA or a Child Trust Fund from one provider to another. You can also transfer between the different types of Junior ISA, in either direction.

• Transfers of current year’s subscriptions or transfers between the same type of Junior ISA must always be done in full.
• Partial transfers can only be done if they are previous years’ subscriptions and you are moving the subscriptions between different Junior ISA types e.g. Junior cash to Junior stocks and shares or Junior stocks and shares to Junior cash.

• The whole of the Child Trust Fund must be transferred and the Child Trust Fund subsequently closed.
• The annual subscription allowance for a Child Trust Fund is based on the child’s birth year while Junior ISA subscriptions are based on tax years. When a transfer of a Child Trust Fund to a Junior ISA has been made, the child can use the full Junior ISA subscription allowance for the tax year in which the transfer takes place regardless of any subscriptions made to the Child Trust Fund in that year. This only occurs in the tax year in which the Child Trust Fund is transferred, in subsequent years only the Junior ISA allowance can be used.